ODPT/CBSD stands for Office Depot Credit Card/Citibank South Dakota. If they are listed on your credit report, this means that you might have used an Office Depot card at some point in your life.
What to do if you find ODPT/CBSD on your credit report
Here are the 3 things you can do if you find ODPT/CBSD on your credit report:
- Check whether you owe the debt:
The first thing you should do is check whether you owe the debt. It could be that you took out the card a few years ago and completely forgot about it. Ask the Citibank representatives to validate the debt. If they can prove that you owe the debt, you should negotiate with Citibank to settle the debt before your account is sold off to a collection agency (CA). Once your account is sold off to a collection agency, it may be very difficult for you to settle the debt.
You can settle the debt on your own if you have good negotiation skills. However, if you're not sure you can settle the account on your own, get help from a debt settlement company. The representatives at the settlement company can help you to lower the payoff amount by 40% to 60%. However, once you've settled the account, ask the bank to update the account status on your credit report as "Paid in full" or "Paid as settled".
- Dispute the debt if you've paid off the account:
If you've already paid off the account but it's still listed on your credit report, then dispute it with Citibank or the credit bureau. You should dispute the account within 30 days of the bank's notice of the debt amount. Make sure you send the copies of the bills you've already paid to the bank. Once you prove that you've paid off the card, the bank must stop attempting to collect payments from you. The bank or credit bureau must then remove the ODPT/CBSD account from your report.
- Dispute the account if you don't owe the debt:
If you're sure that you have never owned an Office Depot card, dispute the account with Citibank or the credit bureau where you have gotten your credit report. Ask the representatives at the bank to verify that you owe the debt. If they don't agree to verify the debt, send them a letter asking them to stop contacting you. You should also ask them to remove the inaccurate information from your credit report as soon as possible.
If you want to contact Citibank for payment related problems or for any other issues, then contact them at the following address:
Citibank South Dakota
PO Box 6497, Sioux Falls
SD 57117
New Account
A New Account alert showed up on my credit report labeled THD/CBNA, with Citibank address of P.O. Box 6497 Sioux Falls, SD 57117. I do not have a city Bank Account. I have checked online and this appears to be a scam.
I will be waiting for your reply.
Not my account
Equifax says I opened an account on 8/1/2014 with Officedepot/CBNA. I have never had a credit card for Office Depot.
Home depot charges
I did not make these charges on home depot, I talk to home depot and told them I did not make these charges. They sent me a in April , 2015 and statement all charges had been taken off my statement. the next month they were added back on. Tried to call, and only got a recording stating (Just Hang up.)
CBNA accounts below
Accounts numbered 332 571 opened 1974 closed 2015 marked disputed; and account numbered 5188 597 764 zero balance but marked disputed ;and Account numbered 2016 3408 opened 2000 closed 2014 zero balance but marked disputed
Please advise immediately what these alleged charges were for and remove them immediately from my credit reports of the 3 reporting agencies
old card still on credit report
Hi, I have an old credit card from you folks (it was transferred to a shell card) still showing on my credit report. This account is over a year old and I'd like to have it closed. What do I need to do?
thanks
which acct I owe 97 $
Saw this on my credit report but not sure what acc is it please respond ASAp so that I don't get late notice for July if I owe this account
thank you
Hitting my credit report
Why are you continually hitting my credit report? I do not have any loans or any debt with you. Please retract all hits from my credit report.
why is Thd/cbna on my credit report?
I opened a new home depot card which also shows on my credit report. IS this a duplicate? Did it add a "ding" on my report?
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